Criteria for choosing the right travel insurance
The differences between the individual providers of travel insurance are large, so you should pay attention to the following points when choosing:
Building blocks and covers
Most insurers offer standard products, in some cases the services can be combined as required. The most important building blocks are always the sub-areas of cancellation and personal assistance. The latter in particular differs greatly among individual providers: For example, the costs for countries with high treatment costs such as the USA or Japan are only partially covered. Other insurers also bear the full health costs there. There is often particularly cheap cover if the insurance is only taken out for a single trip. Who the building block in his household contents insurance? Theft abroad? does not need separate luggage insurance.
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Exclusions
Chronic or mental illnesses are usually excluded from the benefit. Other insurers only pay if the condition of the traveler changes to? Acute? worsened, others only pay for various illnesses if it has been proven that they could not have been diagnosed before the start of the trip. Proof that is difficult to provide! Spongy wording in the exclusions usually means that the insurance company does not pay.
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Extension clause
Travel insurance that has been taken out for one year is usually tacitly extended for another year if it is not canceled within the specified period. If you are not planning any further trips, you should submit the cancellation in good time. Otherwise, you can only terminate such a contract in the event of damage or an increase in the premium.
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premiums
Even if these are not the only decisive factor in deciding for or against an insurer, the premiums must nevertheless be included. Take the chance and compare the offers for travel insurance here! Choose the best value for money: higher premiums can be justified if the benefits are adjusted accordingly. Of course, only a lower premium may be due for low benefits. But even with the same services, the providers are very different.
reputation
Take a look at the ratings of other users or insured persons on the Internet. What do they say about the individual providers? Perhaps there are references to court decisions in which travel insurers have been sued for payment or even got right to refuse the benefits. If you discover that individual insurers appear to be more involved in legal disputes than others, refrain from these providers.
need
Travel insurance is not always necessary at all. Even if you have found a good provider: You certainly do not need to insure a tent holiday with separate insurance. In addition, some trips cannot be insured at all, because it is often necessary to travel a certain distance to the home town to take advantage of the insurance benefits. For example, if you book a very expensive vacation in the next town, which is less than 50 km away from your home town, you cannot take out travel insurance.
